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Topic Review (Newest First)

09-21-2012 09:40 AM

dstaks

I'm working 2 jobs and starting school in a few months on top of a car payment. The main thing to keep in mind is managing your budget every month. Don't go over it, and don't bombard your self with some kind of outrageous car..

09-10-2012 11:05 PM

felixthecat

Quote:

Originally Posted by matmatician

Yep... Same here. I own a condo, make payments on a motorcycle, and have a crapload of other bills that require me to work full time while going to college. I'm a super senior this year (I switched my majors 2 years in... D'oh!) and at one point, I was juggling a full time job, being a full time student, working an unpaid internship for 15+ hours a week, and trying to keep the fiancee happy while only seeing her for about an hour a day. (and for the record, the only thing that has changed is that I've completed my internship... and my summer course. I have another week off before school starts again :P)

Just get a part time job and make the payments. As long as they're not insanely high, you should be fine Oh, and I understand the stale job thing man... I've been a security guard for 4 years now. Talk about dead end... At least you get to deal with cars, not drunks and druggies!! lol

Also, its interesting to see all these folks still going to school. I kinda felt like I was the only one! lol

Thats great ^^^ well worth it thou.

09-10-2012 11:01 PM

felixthecat

Quote:

Originally Posted by LiciouzSVT

I work my a$$ off going to work part-time 39.5 hours (so they don't have to give me full-time benefits) and taking 18 credits a quarter (which is more than full time). I have my own place and a 3 month old so not working is not an option for me but, it sure would be friggin nice to be able to FOCUS on just school.

Thats great your sticking to that. Its hard but well worth it.

09-10-2012 10:20 PM

mikebontoft

Quote:

Originally Posted by NBFocus

I think that seems to be the plan of action. and my payments are only 373 a month, so it really shouldnt be tooo bad to afford that, especially where I'm only going to be in school for a year!

Well I REALLY wanted to type this on the computer but the internet is down and my hotspot won't work, so phone it is.

Don't go for only one year. just don't. A certificate of completion is pretty much useless. Also note that financial aid may not be awarded for certification classes. (my school would not allow it, and it may be a federal thing).

Either one is a good choice. personally I couldn't be sitting at a desk all day and quite a few more people are getting their degrees in computer science which means a hell of a lot more competition.

Being that you work for Ford, go talk to the hiring manager over in service and see what he/she expects from a new graduate. If you go the automotive route, you may have the advantage because you already have or can start to make some connections within the company.

Keep in mind... cost of books (avoid the bookstore if possibe. amazon or banes and noble's nook study (ebooks) are a lot cheaper. The cost of tools really depends on what you are required to have and what you need for a job. Snap on offers a half off student program (SEP) on their tools which is pretty nice.

Now back to that financial aid thing... if you go for an associates degree at least and have more than 6 credit hours you may be eligible for a pell grant since you have been out of school for a few years.

Now on to working... it depends on your credit hours and work working with you on flexibility. oh and homework. personally I was not able to do this. I have had excessive credits every semester (19-23, Max is 18) tried working but fell behind. they claimed they would work with me but started giving me either no hours or almost forty... allowing no time for homework.

I've been lucky the past two years... worked my ass off every summer with two jobs and was able to pay both years off out of pocket with room to buy car mods etc. this year I bought a car I could trust so I didn't have enough. managed a federal loan for $5k to pay for the year.

if you are curious, I'm about to get my degree in auto tech and finish up the year with a welding certificate.

09-10-2012 09:42 PM

MotorcityJAX

Listen to me very carefully, Do Not take out student loan debt you don't need to, I have a dual degree in Business Management and Economics and a MBA. I was debt free after my bachelors, but unfortunately I didn't have the money even while working FT to pay for a Masters and either did my parents ( my one brother is a lawyer and my youngest bro is going to school to be a doctor) so I took Student loans through Sallie Mae and after 3 years of higher education my total was 68k, my payments are $660 a month, my brother went to a private law school and had to do the same for the tune of about 300k at a payment of 3200 a month. School loans are no joke and the payments are crazy, it's just good me and my brother have good jobs to pay otherwise they will ruin your credit and destroy you and you can't get rid of them in bankruptcy. Sorry to rant but I think this is important to know with the idea that your throwing around doing. DO NOT DO IT!!!! I Cannot stress this enough

09-10-2012 08:40 PM

matmatician

Not to mention the insurance. I own my motorcycle (bought it with a line of credit as opposed to a vehicle loan) and my insurance is only like 40 bucks a month w/o collision. On my old bike, I was forced to have collision insurance, and it cost me darn near $170 a month. That was more than my monthly payment on the loan!! One more reason I ing hate insurance companies...

09-10-2012 08:32 PM

#1fordfan

just my opinion,but is never a good idea to have a car payment. I like owning my cars,not letting a bank own them and letting me drive them!!

09-10-2012 08:13 PM

matmatician

Quote:

Originally Posted by lyonsroar

Hrmmm...I couldn't imagine not having a job.
What would I do after classes?
Where would I get money?

This. I've had a job since the day I turned 18, and had a part time job in high school too. I would go crazy if all I had to do was schoolwork. Besides, I like having money WAY too much not to have a job.

09-10-2012 07:36 PM

NBFocus

I think that seems to be the plan of action. and my payments are only 373 a month, so it really shouldnt be tooo bad to afford that, especially where I'm only going to be in school for a year!

09-10-2012 04:38 PM

matmatician

Quote:

Originally Posted by LouBomb

im doing the whole full time school and full time work.. its hell.. but the end feeling is great... plus i have ZERO school debt...

Yep... Same here. I own a condo, make payments on a motorcycle, and have a crapload of other bills that require me to work full time while going to college. I'm a super senior this year (I switched my majors 2 years in... D'oh!) and at one point, I was juggling a full time job, being a full time student, working an unpaid internship for 15+ hours a week, and trying to keep the fiancee happy while only seeing her for about an hour a day. (and for the record, the only thing that has changed is that I've completed my internship... and my summer course. I have another week off before school starts again :P)

Just get a part time job and make the payments. As long as they're not insanely high, you should be fine Oh, and I understand the stale job thing man... I've been a security guard for 4 years now. Talk about dead end... At least you get to deal with cars, not drunks and druggies!! lol

Also, its interesting to see all these folks still going to school. I kinda felt like I was the only one! lol

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